Nissan Auto Insurance

Find out about discounts, safety ratings, and other important information which can save you money on car insurance.

Nissan Motor Company Ltd. is a well-known Japanese automaker. It formerly sold vehicles under the “Datsun” brand name and today is one of the world's largest manufacturers of automobiles. In 1999, the company entered into an alliance with the French automotive firm, Renault. Together with Toyota and Honda, these three gigantic Japanese automakers were the first serious competition to the American “Big Three”- General Motors, Ford and Chrysler. Today, they make up a massive segment of the U.S. automobile market. The luxury brand Infiniti is a division of Nissan.

Nissan was originally founded in 1911 as the Kwaishinsha Motor Car Works. It was renamed the DAT Motorcar Company in 1925. DAT produced both cars and trucks but the majority of its production was trucks. This was due to the fact that the consumer market for automobiles was virtually non-existent at the time. Most of the trucks manufactured during this period were for military use.

In the early 1950s, Nissan partnered with a British automobile maker, Austin, in an attempt to get up-to-date automobile and engine designs. Austin later became the British Motor Corporation. In 1952, Austin allowed Nissan to manufacture 2,000 Austin models and sell them on the Japanese market. Nissan went on to produce nearly 21,000 Austins from 1953 until 1959. Nissan introduced its own highly advanced 4-cylinder overhead engine in 1967. This new engine was used in the Datsun 510 model where it was greeted with much success and respect. The company's crowning achievement at the time was the introduction of the Datsun 240-Z sports car which sported a 6-cylinder engine. It caused a global sensation in 1969 and catapulted Nissan to world class status in the automobile market.

Nissan currently offers many different models in its 2012 line-up. There are cars, crossovers, sports cars, SUVs and a Minivan. It is one of the first automakers to sell an electric car, the Nissan Leaf. Its marketing campaign includes the slogan "100% electric. Zero gas. Zero tailpipe."

Nissan automobiles are considered safe and reliable and generally are not overly expensive to insure. As with other brands, the more expensive the sticker price, the more you will pay for insurance coverage. When you shop for auto insurance, contact several different companies and carefully compare quotes. The make and model of your vehicle will affect your overall policy cost (sports cars are almost always the most expensive to cover) but other factors will influence your personal rates. Agents consider your driving record, your age, where you live, and even your credit score to determine what you will pay.

You can help keep the cost of your car insurance low by driving safely and choosing a moderately priced vehicle. Nearly all insurance companies offer discounts to customers so be sure to ask your agent and see if you qualify. There can be good driver discounts, discounts for honor students, and discounts for bundling your policies together with the same company (life, home, car, renter's, etc.). These can add up to significant savings. Also, check your credit report and make sure the information is up-to-date and accurate.

Nissan risk considerations
The theft risk for Nissan models is nominal, at best. Several models did make the list of the 100 Most Commonly Stolen Vehicles. These were the Nissan Sentra, the Nissan Maxima, the Nissan Altima, the Nissan Sentra, and the Nissan Pathfinder. Generally older models of vehicles are attractive to car thieves because they tend to have fewer safety and anti-theft features. If you own of these vehicles your insurance premiums should be slightly affected, if at all.

Nissan crash test results
The rear collision test results were rather mixed for most Nissan models. Some received poor ratings while others managed marginal and acceptable ratings. The Insurance Institute for Highway Safety named its Top Safety Picks for 2012 and Nissan had the following models included:

  • Small Cars: Nissan Cube, Nissan Juke and the Nissan Leaf

All cars were judged and awarded good performance ratings in all of these categories: front, side, rollover and rear crash tests and standard electronic stability control.

Nissan auto insurance premiums
It's smart to include the cost of insurance when determining what an automobile will cost to own and operate. If you are financing your new or used car, the lender will most likely have certain types of coverage which are required (to protect their investment until the car is paid off) while other coverage may be optional. Remember that every state has minimum requirements with regards to insurance coverage but many times these amounts are dangerously low for true personal protection. Be sure to go over your personal needs and requirements with a qualified agent who can help you formulate a policy which is adequate for your situation.

The following quotes for an annual premium are only estimates and do not reflect what you might actually be charged for a yearly policy. Please use these only as a guideline to determine your costs and remember that each individual driver is evaluated separately. The Nissan Cube is the least expensive model to insure. It averages around $1170 for an annual policy. The Nissan GT-R will cost you the most for coverage with an expected price of nearly $2300 for a yearly premium. You can expect to pay around $1385 for a Nissan Altima while a Nissan Quest will run about $1350 for an annual premium.